This module addresses the ways in which goal setting and planning help to ...
Setting goals helps people to look forward to the future and have something to ...
Module 4: Goal Setting and Planning This module addresses the ways in which goal setting and planning help to promote life satisfaction. Setting goals helps people to look forward to the future and have something to work toward. Planning allows for the goals to be reached gradually, and helps people to avoid or manage obstacles effectively. Flexibility and social supports are good resources to have while attempting to reach our goals, especially if something does not go as planned or if goals become unobtainable. Preparation Activity: Thinking about the Future •
Task Objectives: Preparation for the Game of Real Life, thinking about what teens hope for, what they hope to accomplish, and where they think they will be by the time they are 25 years old.
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Materials: “Plans for When I’m 25 Years Old form, pencils
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Directions: Facilitator explains: “Based on our strengths and interests, we set goals for ourselves. We also engage in some degree of planning in order to realize our goals. Think about your personality strengths and your interests, and then consider the kind of adult you’d like to become. For the next few minutes, take time to write down some of the goals you hope you will meet between now and when you reach 25 years of age.” Have the students write down realistic expectations in terms of: future education, the type of car and type of home, marriage, children, employment, income, money saved in bank… (see attached form) •
Facilitator tells students to think about these goals as we begin to play the Game of Real Life
Central Activity: The Game of Real Life •
Task Objectives: to experience the need for goal setting and planning in real life, but in a game format; learn to be flexible in dealing with obstacles that may impede their progress toward reaching their goals
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Materials: game board, playing pieces, dice, play money, life cards, calculators, monthly statement sheets.
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Directions: In small groups of 4-8 people, facilitators will explain the game directions (see attached).
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Process Questions: • Did things turn out the way you had planned – why or why not? • Are you happy with the decisions you made throughout the game of life? • If you could go back and do it again, what would you do differently? • If you had to play it again, what would you do the same? • What were you surprised at during the game of life? • How did setting goals help you to do well? • How did planning ahead help you? • Did the game seem realistic to you? Did you learn anything new about life and how to be “successful”? What is successful? Who in this group is happy with their outcomes in this game? Why or why not?
Experience of the Week: Set a small goal; Plan how to reach the goal; DO IT Retrospective Pre/Post Evaluation (see attached)
The Game of Real Life Setting Up When facilitating the game, each player is required to maintain a monthly balance sheet to determine the amount of money received or paid out when crossing each payday. While the players are maintaining their sheets, facilitators will also maintain a master sheet for each player. Every time a player takes a turn, remind him or her to modify their sheets and help them with a calculator if needed. Each game works best if there are 2 facilitators: Facilitator A: takes care of the bank and keeps track of changes to each player’s monthly take-home pay; Facilitator B ensures that the game continues to move from player to player, assists students with salary, car, and house cards, and reports changes as they occur for each player to Facilitator A. Cards Separate the cards into 4 decks: Career Cards, Salary Cards, House Deeds, and Car Cards. Make an additional pile for the Marriage and Baby cards. Place only the salary cards facedown, the others can remain face up. Playing cards are attached to the end of this document. The salary cards should be divided into three groups (college salary range, technical school salary range and high school salary range). It is suggested that the high school salaries range from $15,000-25,000; the technical school salaries range from $25,000-50,000 and the college salaries range from $35,000-120,000. These are only suggested ranges, and can be adjusted as appropriate. The three sets of salary cards can be marked to indicated which group to which they belong, for example: a yellow dot on the back of the card=college; an orange dot on the back of the card=technical school; a green dot on the back of a card =high school. Playing Pieces Each player will choose a playing piece that will represent the player during the game. After a playing piece is chosen, distribute the Game of Life monthly statement sheets to each player. The colors chosen by each player can be written on the master sheet to help keep the players separate. Money The facilitators will be the bankers and will be in charge of all money paid to and from the bank. The banker separates the money into piles by denomination, gives each player taking the college track $6,000 and each player taking the technical school track $3,000 that will signify loans. When distributing money, keep in mind to give a variety of dominations. Red or Blue chips will signify $5,000 and White chips will signify $1,000. The loans must be paid back within 3 paydays. Extra ten dollar bills should be available in case they are needed; however, do not distribute the ten’s to the players. Loans For the players taking the college or technical school track, they must repay their loans to the bank within 3 paydays. If loan is not repaid in 3 paydays, add $500 to whatever they owe on the 4th payday. If the loan is still not repaid after the 4th payday, force the players to downsize their house or car to get the extra money to pay off the loan. The facilitator’s should remind each player how much money is owed at each payday.
Playing Instructions Notes for Facilitator Each spot requires a different action to be carried out. The spaces with the stop signs are required stops, regardless of the number of moves remaining. However, these are only mandatory stops the first time around the board. Once players have made it through the board and have made life changes, they are not required to stop at the spaces with the stop sign. If a player lands directly on a stop sign space, they have the option of following the directions on the space. If a player receives a loan, the loan must be repaid within three paydays in order to avoid a penalty. If a player lands on a payday, but does not own a car or house, they still have to pay for groceries. Finally, each space is a designated color depending on the action of the space. The colors are explained in further detail in the following instructions. Getting Started The person to the facilitator’s left goes first. Play then continues clockwise. On each player’s first turn, have him or her decide either to start a career, go to technical school, or go to college. Start Career If the player decides to start a career, have them place their playing piece on the CAREER space and do the following: choose a career card from the stack that does not require a degree and then draw a salary card at random. Encourage the players to choose careers that they would actually be interested in. Now have them roll the die and move as on a regular turn. Technical School If the player decides to go to technical school, have them place their playing piece on the TECHNICAL SCHOOL space and give the player a $3,000 loan. Explain to the player that the loan must be paid off by the third payday. When the players finish technical school and must choose a career, they can only choose careers from the non-degree or technical school piles. College If the player decides to go to college, have them place their playing piece on the COLLEGE space and give the player a $6,000 loan. Explain to the player that the loan must be paid off by the third payday. When the players finish college and must choose a career, they can choose careers from any of the piles: non-degree, technical school, or college degree required. Mandatory Stops (the first trip through the board) On each player’s turn, he or she will role the die and move the playing piece the number of spaces on the die. There are certain spaces on the board that require the players to stop – even if there are moves left. Once a player takes care of business at the mandatory stop, this is the end of his or her turn. Remember to make the necessary changes to the monthly bill statement. Those spaces are Begin Career, Buy a Car, Buy a House, Get Married, and Marriage Problems. Begin Career Players that have chosen the college or technical school track will pass this space before moving to the main part of the game board. These players should stop and choose a career, based on the school track they have chosen. They can choose from college degree, technical degree, or no degree required cards. The players will also choose a salary at this time. Buy a Car When a player lands on a car space, have them choose a car that they would like to have, while encouraging them to think about what type of car, and car payment, would be most logical for the income they are bringing in. Have the player make the first car payment when the car is chosen.
Buy a House When a player lands on a house space, have them choose a house they would like to have, while encouraging them to think about the mortgage payment, or their family situation, and what type of house would be most logical to have. Once a house is purchased, the player must decide whether to stay single or to become “engaged.” Their decision determines the route they will take from this point. Have the player make the first house payment when the house is chosen. Get Married Once a player buys a house, they have a choice whether to stay single or get “engaged” and take the married route. If a player chooses to get “engaged,” they will land on the get married space. This is the point that the marriage officially starts; give the player a married card to signify the addition of a spouse. Have the player buy $150 worth of groceries for the spouse and remember to add $150/month to the player’s bill statement. The spouse also will be bringing in $500/month. Make sure to add $500 to the player’s monthly take home pay (money after bills). Marriage Problems Players that have chosen to get married must stop at the marriage problems space. When they land on that space, have the player roll the die and an even number means that they stay together while an odd number means divorce. Proceed to the next player. If a player gets a divorce, remember to subtract $150 from the bill statement (i.e., money after bills will increase $150). Other Stops Have a Baby When a player lands on the have a baby space, explain to the player that they have two choices: either to stay single or to get married. Have them think through the pros and cons of each choice before they make their decision. If the player chooses to get married, direct them to the married route; if they choose to stay single, direct them to the single route. Have the player pay $150 for each baby, regardless of marital status. Remember to add $150/month to player’s monthly statements for each baby. Rob a Bank When a player lands on the rob a bank space, the player must roll the die to determine the action taken. An even roll means that they receive $1,000 times the number of the roll, and odd means they pay $2,000 times the number of the roll. Get a 2nd Job When a player lands on this space, the player will add $500/month to the “Money After Bills” section. The Spaces (Colors) Black Spaces Black spaces signify places that the players will lose a turn. Green Spaces Green spaces signify places that the players will receive money. Orange Spaces Orange spaces are spots where players are forced to pay money. Red Spaces (PAYDAY) Red spaces signify paydays, when a player lands on or passes over a payday spot they receive their monthly paycheck, but then they have to make all their monthly payments to the bank. For example, if a player is making $1,000 a month but has a $200 car payment and a $300 rent payment, that player will only receive $500 for passing a payday spot. Each player will keep up with his or her payment schedules on monthly statement worksheets made up for each player. The facilitators will also keep up with each player’s monthly bill statements, using the master sheet provided, and assist the players if needed.
Blue Spaces Blue spaces signify life change spots where players are forced to make or choose a life change that they may want to make at that particular time. For example, if a player lands on the CAR ACCIDENT spot, that player will have to move back to the car space and choose another car to buy. Purple Spaces Purple spaces signify baby spots where players are blessed with having a baby (or two!) Once a player has reached the end of their chosen path, have them make a life change and then start again from the life change spot that they have chosen. For example, if a player reaches the end of the single path and chooses to get married for their next turn, have them put their playing piece on GET MARRIED spot and continue playing from there. Depending on the time allotted, the Game of Real Life can be played between 50 and 90 minutes. When the game is over, have participants tally up the money they have (this is their savings in the bank) and have them look at their playing sheets to ensure that all information is updated (i.e., marital status, number of children, type of career, car, home, etc.). Next have them compare how they did in the game with what they wrote down on their “When I’m 25 Years Old” sheet. Ask the participants if anything in the game is similar to what they wrote down. Also ask what when well and what did not go well for them during the game. Ask if there were any surprises. Finally ask what are the main things they learned from the game that they can apply to their real lives.
PLANS FOR WHEN I AM 25 YEARS OLD Name:_________________________________ Type of career or job I want to have ______________________________ Type of car I want to have___________________________________ Type of place I want to be living in________________________________ Highest level of education I want to have___________________________ The yearly salary I want to earn_________________ The amount of money I want to have left over each month after paying all of my bills___________________________________ The amount of money I want to have saved in the bank______________ Will I be married (circle one)
yes
no
Will I have children (circle one)
yes
no
Number of children
____________
The Game of Real Life Name:_________________________________
Color of Playing Piece_____________
Career ________________________________
Loan_________________
Car___________________________________ 1 Type monthly payment Home_________________________________ 2 Type monthly payment
amount paid ______________pay day ______________pay day ______________pay day
3 Marital status:
single
Number of Children
1
married
divorced
remarried
2
4
6
3
5
7
Education/Training____________________________________________ Yearly Salary________________________ Monthly Salary
________________
Groceries ($150/person)
(minus)
________________
Car Payment (monthly amount + $150)
(minus)
________________
(minus)
________________
($150 covers insurance and gas)
House Payment (monthly amount + 200) ($200 covers electricity, gas, water, & sewage)
Money after Bills (monthly salary – groceries – car – house) = Make adjustments to money after bills as needed: ________________ ________________ ________________ ________________ ________________ ________________
________________
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EXAMPLE SHEET
The Game of Real Life Name:
Sara
Color of Playing Piece:
Green
Career: Computer Programmer
Loan: $3000
Car: Jeep Cherokee ($270/mo.) Type monthly amount
amount paid $1,000 pay day 1 $1,500 pay day 2 $500 pay day 3
Home Town House ($650/mo.) Type monthly amount Marital status:
single
Number of Children
1
2
married
divorced
remarried
3
5
7
4
6
Education/Training: Technical School Yearly Salary:
$45,000
Monthly Salary
$3, 750
Groceries ($150/person)
(minus)
150
Car Payment (monthly amount + $150)
(minus)
420
(minus)
850
Money after Bills (monthly salary – groceries – car – house) =
$2, 330
($150 covers insurance and gas)
House Payment (monthly amount + 200) ($200 covers electricity, gas, water, & sewage)
Make adjustments to money after bills as needed: $2,180 (subtracted $150 for groceries for spouse) $2030 (subtracted $150 for groceries for child #1) $2130 (received $100 month raise) $1980 (subtracted $150 for groceries for child #2) _______ _______
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NAME________________ Color of Playing Piece_______
NAME_________________ Color of Playing Piece_______
SALARY___________________________
SALARY___________________________
CAR__$150 +________________________
CAR__$150 +________________________
RENT______________________________
RENT______________________________
UTILITIES___$200__________________
UTILITIES___$200__________________
GROCERIES__$150 x________________
GROCERIES__$150 x________________
LOAN_____________________________
LOAN_____________________________
PAYDAY___________________________
PAYDAY___________________________
NAME________________ Color of Playing Piece_______
NAME_________________ Color of Playing Piece_______
SALARY___________________________
SALARY___________________________
CAR__$150 +________________________
CAR__$150 +________________________
RENT______________________________
RENT______________________________
UTILITIES___$200__________________
UTILITIES___$200__________________
GROCERIES__$150 x________________
GROCERIES__$150 x________________
LOAN_____________________________
LOAN_____________________________
PAYDAY___________________________
PAYDAY___________________________
NAME________________ Color of Playing Piece_______
NAME_________________ Color of Playing Piece_______
SALARY___________________________
SALARY___________________________
CAR__$150 +________________________
CAR__$150 +________________________
RENT______________________________
RENT______________________________
UTILITIES___$200__________________
UTILITIES___$200__________________
GROCERIES__$150 x________________
GROCERIES__$150 x________________
LOAN_____________________________
LOAN_____________________________
PAYDAY___________________________
PAYDAY___________________________
MODULE 4: GOAL SETTING AND PLANNING Grade in school______________ Race/Ethnicity:
Age___________
Black/African American Native American
Circle one:
White/Caucasian
Asian American
male female
Hispanic/Latino
Other_______________________
Please circle the number that indicates how much you enjoyed the activities. Not At All
A little
Some
A lot
I enjoyed the Thinking About the Future (when I’m 25 years old) activity.
1
2
3
4
I enjoyed playing The Game of Real Life
1
2
3
4
Please circle the number that indicates what you knew before and after participating in this session. Before this session Not A little Some A lot At All
After this session Not A little Some A lot At All
I knew how to set goals for the future.
1
2
3
4
1
2
3
4
I knew how to make effective plans for reaching my goals.
1
2
3
4
1
2
3
4
I knew how to adjust my plans for reaching my goals.
1
2
3
4
1
2
3
4
I knew what I wanted for my future education, career, and personal life.
1
2
3
4
1
2
3
4
I was aware of the many responsibilities one has when one is an adult.
1
2
3
4
1
2
3
4
Architect (College)
Entertainer
Artist
Teacher (College)
Police Officer
Doctor (College)
Nurse (Technical)
Computer Consultant
Salesperson
(Technical)
Restaurant Industry
Business Management (Technical)
Military
Scientist (College)
Ford F150 $20,000 $280/mo.
Lawyer
Athlete
(College)
Chevy S10 $15,000 $220/mo.
Toyota Camry $17,000 $250/mo.
Honda Civic $14,000 $200/mo.
Mitsubishi Galant
Kia Sephia $11,000 $150/mo.
Ford Mustang $19,000 $270/mo.
Jeep Cherokee $19,000 $270/mo.
Cadillac Escalade
$14,000 $200/mo.
$45,000 $600/mo.
Nissan Altima $17,000 $250/mo.
Mercedes $40,000 $550/mo.
One BR Apt. $400/mo.
Two BR Apt. $550/mo.
Farmhouse $800/mo.
Log Cabin $700/mo.
Mobile Home $400/mo.
Trailer $300/mo.
Condominium $600/mo.
Townhouse $650/mo.
Duplex $550/mo.
Two BR House $750/mo.
Three BR House $880/mo.
Four BR House $1000/mo.
$25,000 $2,080/mo.
$35,000 $2,920/mo.
$75,000 $6,250/mo.
$30,000 $2,500/mo.
$80,000 $6,660/mo.
$40,000 $3,320/mo.
$100,000 $8,320/mo.
$60,000 $5,000/mo.
$22,000 $1,820/mo.
$15,000 $1,250/mo.
$45,000 $3,750/mo.
$20,000 $1,660/mo.
$90,000 $7,490/mo.
$120,000 $9,550/mo.
$50,000 $4,160/mo.
Married
Married
Baby
Baby
Married
Married
Baby
Baby
Married
Married
Baby
Baby
Married
Married
Baby
Baby
Baby
Baby
Baby
Baby
Baby
Baby
Baby
Baby
